a lack of education is terrible and doesn't bode well for a great financial future. >> alisyn: by the time they're ten years old. it's time to talk about interest, loan, time horizon and inflation, and taxes. what is that? >> now we're getting the bigger words here, alisyn. interest, the money that you paid for them. anybody lending you money, the loan when you borrow money for things like a car and teenagers may need a loan if they're getting close to those times and inflation, just that things get more costly over time and you have to, obviously, account for that in taxes and we're all familiar with those. >> alisyn: so you're explaining all this have to your ten-year-old, even if it's not applicable to their life yet. you're telling them what's on the horizon. >> exactly. >> alisyn: let's talk about 15 years old and this is where i think things get serious and you have the baby-sitting money and you have some stuff that you want to buy. so, you say investing, allocation asset. diversification, stock funds. >> i'm so happy we're doing all of this because obviously they get money and